HSBC Advance HSBC. The world’s local bank.

Terms and conditions

Terms and conditions

hsbcadvance.com provides a portal, or gateway, to the financial services offered by members of the HSBC Group. The Site is operated by HSBC Holdings plc.

HSBC Holdings plc is a public limited company registered in England and Wales under Company Register Number 617987 and with its registered office at 8 Canada Square, London E14 5HQ.

The provision of financial services or products

HSBC Holdings plc does not offer financial services or products and HSBC Holdings plc operation of the hsbcadvance.com portal, or gateway, does not constitute an offer of any products or services provided by HSBC Group members.

Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant HSBC Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

All products or services provided to you by any HSBC Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

You agree that any of the products or services provided to you by any HSBC Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.

HSBC Bank plc hosts the HSBC Advance website and provides technical support, access and links to the Local Sites of HSBC Group members. Financial services and products may be obtained from Local Sites.

The information contained on the Site is for information purposes only. HSBC Holdings plc does not hold itself out as providing legal, financial or other advice via the Site.

Local Sites

All products and services provided by members of the HSBC Group are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use (“Product terms and conditions”). Where Product terms and conditions conflict with these terms and conditions or any Local Site’s terms and conditions the Product terms and conditions shall prevail.

You may link to other HSBC websites or pages issued by other entities within the HSBC Group (“Local Sites”) through the Site. Your use of any Local Site shall be governed by both these terms and conditions and the terms and conditions of the Local Site. If these terms and conditions conflict with those of the Local Site then the terms and conditions of the Local Site shall prevail.

Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product.

Changes

The information, material and content provided in the pages of the Site or any Local Site may be changed at any time without notice. Changes may be made to these terms and conditions by us at any time without notice to you by updating the posting of the terms and conditions.

Security

In certain circumstances you may be requested to register with hsbcadvance.com. When you register, you must provide accurate and complete information and up-date such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the Site, you choose a unique user name and password. Please use maximum caution to keep your user name and password confidential and log-off from the Site when your session is complete to prevent unauthorised access to your information. If your user name or password is subject to unauthorised access, you should immediately inform the relevant HSBC Group company.

No Offer

Information or opinions provided by us or through a third party on the Site or by a Local Site should not be used for investment advice and do not constitute an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser.

No Warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under applicable legislation relating to the provision of financial services.

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and warranties

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in any other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

Email Alert Service

We may, at our discretion, provide an email alert service (the “Service”) allowing you to receive alerts relating to HSBC Holdings plc and/or such other parties or matters as we may include from time to time.

Your use of the Service will result in us holding the data you submit for use of the Service. The data will be held in accordance with the privacy statement and will only be used to provide you with the information you have requested receiving via the Service or for statistical analysis. By using the Service, you agree to us holding and using your data as indicated above.

We may at any time at our discretion withdraw the Service and/or your use of it.

The provisions under “No Warranties” in these terms and conditions shall apply as if reference to “the Site” includes reference to the Service.

Trade Marks and Copyright

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Local Site is owned by or licensed to us or the HSBC Group unless otherwise noted. You may imprint, copy download or temporarily store extracts from the Site or any Local Site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site or any Local Site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant HSBC Group member.

Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site or any Local Site for any purpose which is unlawful, abusive, libellous, obscene or threatening.

HSBC is a trademark of the HSBC Holdings plc and all rights in and to HSBC vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.

Not Intended for Children

The Site is not intended for use by minors.

Data protection

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the HSBC Group of Companies and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the HSBC Group of Companies or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the HSBC Group of Companies except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

We may also in connection with the above and the provision of the Site transfer your personal data to countries outside the European Union (EU) which may not provide the same level of protection for personal data as within the EU. However, all personal data wherever it is held in the HSBC Group or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these terms and conditions you agree to such data being so used and that it may be transmitted to others as stated above.

Governing law

These terms and conditions are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.